Travel Insurance
22 replies
Kasspa replied on 14/02/2024 13:17
Posted on 14/02/2024 09:23 by moulesyAnother vote for "Staysure" here. Applying on line and stating pre-existing conditions is very straightforward and you'll get a decision immediately. Very competitive rates, we've found and, if you do decide to accept them you'll get a printed addendum to your policy stating the conditions accepted.
Posted on 14/02/2024 13:17
The print out for your declared conditions is very helpful, especially if you don't auto renewal, although despite an online 'offer' last year it worked out much cheaper to auto renewal, which I managed to 'click' before the period for it expired.....
I'm not usually keen on the auto renewals nowadays as you don't get anything for loyalty & it pays to shop around but Staysure do most often come out best value for money/cover....
DavidKlyne replied on 14/02/2024 14:55
Posted on 14/02/2024 13:02 by HjaInteresting about no cover if you are on insulin. We haven’t needed RP for some years but we used to use it every year for probably 20+ years. Ian is insulin dependent and has been for all the time we used it. There is no way we would have hidden that.
Posted on 14/02/2024 14:55
Hja
The problem was really the question asked at the screening and maybe how I answered the question. They asked if the amount of insulin used was the same every time. As you will well know the amount of insulin you use is related to the blood sugar levels. They didn't like that answer and refused to cover so it was interesting to read your comment. Probably what I should have said was that insulin was taken as directed by her Diabetic Nurse and perhaps then they would have accepted it? That encounter actually ended our overseas touring. They did suggest another insurer but I liked the all in one policy that Red Pennant offered.
David
JollyKernow replied on 14/02/2024 16:08
onepjg replied on 15/02/2024 23:19
onepjg replied on 15/02/2024 23:20
onepjg replied on 15/02/2024 23:44
Hja replied on 16/02/2024 11:10
Posted on 14/02/2024 14:55 by DavidKlyneHja
The problem was really the question asked at the screening and maybe how I answered the question. They asked if the amount of insulin used was the same every time. As you will well know the amount of insulin you use is related to the blood sugar levels. They didn't like that answer and refused to cover so it was interesting to read your comment. Probably what I should have said was that insulin was taken as directed by her Diabetic Nurse and perhaps then they would have accepted it? That encounter actually ended our overseas touring. They did suggest another insurer but I liked the all in one policy that Red Pennant offered.
David
lesandang replied on 16/02/2024 12:29
Posted on 16/02/2024 12:29
An advantage of Red Pennant is that health and motor insurance is linked. Friends had an issue when Health Insurance didn't cover repatriation of vehicle and vehicle insurance also wouldn't cover because there was nothing wrong with the vehicle.
1 person likes this
GTrimmer replied on 16/02/2024 18:46
Posted on 16/02/2024 18:46
We used to use Staysure until I was referred for an echocardiogram a short while before a trip. As required I phoned to notify them and was advised that not only would my cover for my cardiac condition be suspended, there would be NO cover for ANY of my declared conditions - even my Gout !
I managed to get full cover forthe trip through BP insurance brokers https://bpib.co.uk/ who I found on the British Heart Foundation web site. They have a list of brokers who can help with pre existing conditions.
Needless to say, I didn't renew with Staysure !
Kasspa replied on 16/02/2024 19:29
Posted on 16/02/2024 18:46 by GTrimmerWe used to use Staysure until I was referred for an echocardiogram a short while before a trip. As required I phoned to notify them and was advised that not only would my cover for my cardiac condition be suspended, there would be NO cover for ANY of my declared conditions - even my Gout !
I managed to get full cover forthe trip through BP insurance brokers https://bpib.co.uk/ who I found on the British Heart Foundation web site. They have a list of brokers who can help with pre existing conditions.
Needless to say, I didn't renew with Staysure !
Posted on 16/02/2024 19:29
That's really strange as they covered my wife after a heart attack & coronary angioplasty, the only questions that were asked when entering it under pre-existing conditions were:
Coronary angioplasty
• How long ago was your angioplasty or stenting performed?
• How many heart attacks have you had in total?
• Have you EVER had any chest pain or chest tightness since your last procedure?
• How many coronary stents do you have?
• Can you always walk 200 metres on the flat without becoming short of breath?
• Have you been advised to take medication for high blood pressure?
The key question was regarding how long the angioplasty had been done, less or more than 6 weeks....
onepjg
Motorhomer